基于三群体演化博弈的小额贷款公司贷款保证保险研究
Study for Loan Guarantee Insurance of Small Loan Companies Based on Three Group Evolutionary Game
小额贷款保证保险是利用保险缓解小微企业融资难的有效方式. 文章采用三群体演 化博弈模型, 研究小微企业、小额贷款公司、保险公司在小额贷款保证保险中的行为和影响机制. 引 入项目收益率、贷款利率、保费率、保险赔付率、债权回收率等变量, 构建三群体演化博弈复制动态 方程, 得出演化稳定策略. 应用Matlab软件, 做三维数值仿真分析, 验证演化稳定策略结果. 研究得 出, 债权回收率、保险赔付率、项目收益率、保险赔付率与债权回收差额对演化稳定策略具有正向影响.
Small loan guarantee insurance is an effective way to alleviate the financing difficulty for small and micro enterprises by insurance. In this paper, the model of three group evolutionary game is adopted to study the behavior and influence mechanism in the small loan guarantee insurance for the small and micro enterprises, small loan companies and insurance companies. Project yield rate, loan interest rate, premium rate, insurance compensation rate, debt recovery rate and other variables are introduced to build a replication dynamic equation of the three-group evolutionary game, which obtains the evolutionary stability strategy. Matlab software is used to analyse three dimension numerical simulation, which verifies the results of the evolutionary stability strategy. It is concluded that the debt recovery rate, insurance compensation rate, project yield rate, and the difference between the insurance compensation rate and the debt recovery rate have positive effect on the evolutionary stability strategy.
小额贷款公司 / 保险公司 / 三群体演化博弈 / 贷款保证保险. {{custom_keyword}} /
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